Do I have to pay an excess when I make a claim?

It depends on the circumstances of the claim. When you lodge your claim we'll advise how and when your excess needs to be paid.

You may not have to contribute an excess towards your claim if we determine the incident was solely the fault of a third party (not the person in charge of your vehicle at the time of the incident) and you provide us with the third party’s name, vehicle registration number and contact details.
We will determine liability after we are in possession of all the relevant facts.

We may ask you to pay your excess directly to us, to our repairer/supplier or deduct it from any settlement we make to you.
Please refer to our Premium, Excess and Discount (PED) Guide for more information. 

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